MTPL Car Insurance in Moldova
MTPL insurance from General Asigurări covers damage you cause to third parties in a road accident, as required by Moldovan Law no. 106/2022. Get your price online, pay by card and receive the policy by email — no office visit needed.
What type of insurance is this?
Compulsory Third-Party Car Liability Insurance (MTPL) for domestic use covers damages caused to third parties in a vehicle accident within the territory of the Republic of Moldova.
How to buy MTPL online — 3 steps
- 01Enter the vehicle and owner details in the online calculator — the system pulls the rest of the required information automatically.
- 02Check the price and pay by card — the full premium is paid before the policy is issued.
- 03Receive your policy by email. The electronic MTPL policy is valid in digital form — you can show it from your phone.
General Asigurări's MTPL policy covers damage you cause to third parties in a road accident: bodily injury or death, including moral damages, the cost of repairing the damaged vehicle, and material damage to other property. The policy also covers the injured party's court costs when the ruling is in their favour, plus the cost of a single tow of the damaged vehicle from the accident scene.
Liability limits set by Law no. 106/2022:
Type of damage
Property damage, per accident
Limit
EUR 100,000
Type of damage
Bodily injury or death, one person
Limit
EUR 100,000
Type of damage
Bodily injury or death, multiple persons
Limit
EUR 500,000
Type of damage
Property damage under the friendly accident report
Limit
MDL 15,000
Type of damage
Moral damages (disability or death), one person
Limit
EUR 5,000
Type of damage
Moral damages, multiple persons
Limit
EUR 10,000
- MTPL does not cover damage to your own vehicle or injury to the at-fault driver — for that, there's CASCO insurance. It also excludes the at-fault party's own property, property jointly owned with a spouse, the reduction in value of repaired property, and damage to goods carried under a transport contract.
- It does not compensate the portion of a claim above the legal limits, damage caused by military actions, natural disasters, nuclear explosions, mass riots or terrorist acts, environmental pollution resulting from the accident, or lost profit.
- The portion of the loss exceeding the liability limits;
- Damages caused by military measures imposed during a state of emergency, siege or war, or by actions caused by natural disasters, nuclear explosions, radiation or radioactive contamination, mass civil unrest, or terrorist activities;
- Damages resulting in environmental pollution caused by an accident;
- Lost profit or income.
Domestic MTPL insurance is valid only within the Republic of Moldova. For trips abroad by car, you need Green Card insurance — the external MTPL policy — valid in the member states of the International Green Card System.
- An MTPL contract usually runs for 12 months. Insurer liability starts the day after the previous contract expires — if you renew on time — or the day after the new contract is signed, if you had no valid policy. Coverage ends at 24:00 on the last day of validity.
- During the contract you have a few basic obligations: notify the insurer of an accident within 48 hours, declare the vehicle's intended use at signing — including taxi use —, inform the insurer if you sell the vehicle, and take reasonable steps to limit damage.
The price of an MTPL policy is calculated individually for each vehicle and driver. The premium depends on the vehicle's type and engine capacity, the driver's experience and claims history (the bonus-malus system), how the vehicle is used — including taxi use — and the owner's legal status. The online form works as an MTPL calculator: calculate the exact price of your policy — it takes a few minutes and involves no obligation.
Compulsory MTPL insurance is concluded for a period of 12 months, unless the insurance contract provides otherwise.
The insurer's liability begins:
- From the day following the expiration of the previous compulsory MTPL insurance contract, for an insured who fulfills the obligation to conclude insurance no later than the last day of validity of that contract;
- From the day following the conclusion of the compulsory MTPL insurance contract, for persons who did not have a valid compulsory MTPL insurance at the time of concluding the new insurance;
- From the moment indicated in the compulsory MTPL insurance contract, but no earlier than the date of entry into force of the provisional registration certificate or vehicle registration certificate, for vehicles being sold that are to be registered;
- From the moment indicated in the compulsory MTPL insurance contract, for persons using a vehicle registered abroad on the territory of the Republic of Moldova;
The insurer's liability ends at 24:00 on the last day of validity of the compulsory MTPL insurance contract, or before that day, at the time the vehicle is deregistered by the competent authorities.
The compulsory domestic MTPL insurance contract may be terminated by a notification addressed in advance to the insurer, on the following grounds:
- Withdrawal of the insurer's license;
- Notification by the insured regarding the transfer of vehicle ownership, accompanied by supporting documents;
- Agreement of the parties;
- Other cases provided by law.
Upon disposal of the vehicle, the insured is obliged to inform the insurer. In this case, the insured has the option to assign the rights under the compulsory domestic MTPL insurance contract to the new owner or to terminate the existing contract. The return of the insurance premium, under the conditions of art. 10 para. (7) of Law no. 106/2022, may only occur if no insurance indemnities have been paid or are owed for damages caused during the validity period of the compulsory domestic MTPL insurance contract. In the case of assignment, the insurer will adjust the insurance premium based on the respective risk factor of the new owner.
What to do after an accident?
Notify General Asigurări of the accident within 48 hours. If the material damage does not exceed MDL 15,000 and both drivers agree, you can complete a friendly accident report without calling the police. Full steps, required documents and the reporting form are on the How to file a claim page.
Insurance terms and legal basis
Complete product information is available in the MTPL insurance terms and in Law no. 106/2022 on mandatory motor third-party liability insurance. General Asigurări operates under CNPF license no. 000887.
Frequently asked questions
Yes. People who use a vehicle registered abroad within the Republic of Moldova can take out domestic MTPL insurance with General Asigurări. Insurer liability starts from the moment stated in the contract.
Need help?
Working hours
Monday–Friday: 08:30‑17:30 (break 13:00‑14:00)